Variables definition of the file Figure_5_6_Table_9.dta:

newloanspersonalcredit = Monthly New Concession of Personal Loans in Billions of Reais

data = calendar month from Jan-2003 through Dec-2005

newloansautomobile = Monthly New Concession of Auto Loans in Billions of Reais

yearrateauto = Annual Interest Rate on Auto Loans (in p.p.)

yearratepersonal = Annual Interest Rate on Personal Loans (in p.p.)

data2 = calendar month squared

dummy_law = 1 if first bank was chartered (May-2004 through Dec-2005), 0 otherwise